Last Updated on November 11, 2019 by Gopal Gidwani

In this article we review Standard Chartered DigiSmart credit card.

In current times there has been a significant change in the behaviour of customers who now a days increasingly prefer to do most things online. Some of these things include buying clothes, booking movie tickets, buying groceries, booking cabs, ordering food, booking flight tickets and hotels etc. Online shopping is convenient and hassle free, you get to choose things at your free time, and off course you can get lots of deals, discounts, coupons and cashbacks if you shop smartly!

Keeping in mind the new buying pattern of today’s consumers, Standard Chartered has come up with a credit card – Standard Chartered DigiSmart - where they have partnered with one big online company in each of the important shopping categories: fashion, entertainment, travel, food delivery, grocery and cab aggregators and offers great discounts on shopping!

In this article we have tried to summarise the major benefits of this card for you.
1) Fashion: One of the most popular online marketplace in the fashion category is Myntra which offers great discounts in garments, footwear, cosmetics, and fashion accessories. If you use Standard Chartered DigiSmart credit card for payment, then you get 20% discount (maximum discount of Rs. 700) on your bill. There is no minimum spend requirement to avail this offer. This offer is applicable for 1 transaction every month.

2) Entertainment: We all love to watch movies! With all the recent blockbusters lined up in coming weekends, one can hardly resist these movies. Standard Chartered DigiSmart credit card has partnered with INOX platform for their ‘Buy 1 Get 1 Free’ offer. The offer is valid only on weekend shows (Saturday and Sunday shows). You can avail the offer by buying the movie tickets from any of the INOX platforms: inoxmovies.com, Inox box office, mobile app & mobile website (INOX Platform). The offer can be availed 2 times in a month with maximum discount of Rs. 200 per transaction.

3) Grocery: In the grocery category, Grofers is one of the most popular apps along with Amazon India and Bigbasket for online grocery shopping. You can buy grocery from Grofers using Standard Chartered DigiSmart credit card and avail 10% instant discount with no minimum spends. You need to apply promo code DIGISMART. The best part is that this offer is valid for 5 transactions per month with maximum aggregate discount of Rs. 1000 per month.

4) Cab Aggregators: Think of how often do you use OLA cabs for travelling and how much you spend on them? With Standard Chartered DigiSmart credit card you can reduce your OLA ride bills substantially! Standard Chartered DigiSmart credit card offers 15% cashback on OLA rides with maximum cashback of Rs. 600 per month. It is important to note here that this cashback can be availed only when you pay for cab bookings directly using Standard Chartered DigiSmart credit card. Transactions involving loading the amount in the OLA wallet will not be counted.

5) Food delivery: With your busy schedule; how often do you order your food online? Now order your food on Zomato using Standard Chartered DigiSmart credit card and get an instant discount of 10% using coupon code DIGISMART. There is no minimum order value requirement to avail the offer. The maximum discount you can get is Rs. 150 per transaction. This discount can be availed for a maximum of 5 transactions in a month!

6) Travel: From now on you don’t have to search for travel offers everywhere when you decide to travel! The best thing is to get a Standard Chartered DigiSmart credit card and book your flight tickets on Yatra.com. The offer details are as follows:
a) Domestic flight bookings: 20% instant discount with no restriction on minimum transaction amount on Yatra.com. You can get maximum discount of Rs. 750. Offer applicable on 1 transaction in a quarter.
b) International flight bookings: 10% instant discount on international flight bookings, for minimum transaction amount of Rs. 20,000 and above Yatra.com. You can get maximum discount of Rs. 10,000. Offer applicable on 1 transaction in a quarter.
c) Domestic hotel bookings: 25% instant discounts on domestic hotel bookings and with no restriction on minimum transaction amount Yatra.com. You can get maximum discount of Rs. 4000. Offer applicable on 1 transaction in a quarter.

Using coupon code DIGISMART on Yatra.com and making the payment using Standard Chartered DigiSmart credit card.

Eligibility criteria
If you wish to apply for Standard Chartered DigiSmart credit card, you have to fulfill the following eligibility criteria:

• Anyone of age between 21 and 65 can apply for this card
• You should have a stable monthly income.
• You should reside in credit cards sourcing cities/locations of Standard Chartered Bank

Fee
An individual can apply for a primary Standard Chartered DigiSmart credit card and a supplementary card. The monthly fee for both the cards is Rs 49. However, if you spend Rs. 5,000 or more in the previous month, then you get a waiver on the monthly fee.

Conclusion
Overall Standard Chartered DigiSmart credit card is a new age credit card which has been designed to cater to the need of new age buyers. This card has focused on all the major categories of shopping that one needs in day to day life and clubbed them with attractive discount offers. Overall, an individual can go for this card in addition to the existing credit cards, to make online shopping experience more delightful

Which credit card should you select?
To read about comparison of 15+ credit cards from 12 banks click here. Learn how to save Rs. 5,000 to Rs. 50,000 per year through a combination of discount / cashback on credit card usage, direct discount on MRP by merchant, reward points benefit from credit card, spend based milestone benefit from credit card, additional coupon based discount / cashback from merchant, additional cashback from wallet companies, cashback from third party cashback companies etc.

If you are not sure on which credit card to choose from all the available credit cards from all banks, don’t worry. You can email me at [email protected] with your details like name, mobile number, salaried / self-employed, annual income, city of residence etc. I will call you and do analysis of your regular monthly expenses and suggest the most appropriate credit card/s for you. This may help you save Rs. 5,000 to Rs. 50,000 in a year. I will give you an assurance of minimum savings of Rs. 10,000 or more in a year.

Consultancy on saving 10% to 80% on some of your regular monthly expenses
I will also provide you one time consultancy and guidance on how you can save 10% to 80% on some of your regular monthly expenses like groceries, daily use household items, recharges and other utility bill payments, medicines, dining, movies, travel and others. This will help you save a couple of thousand Rupees every month, depending on your monthly expenditure. Before applying for the credit card, you can write to me at [email protected] and I will guide you on the credit card application process.